topic Re: Business Credit Reports in Business Credit

Business Credit Reports

Creditaddict — Thu, 06 Dec 2007 21:01:03 GMT

Who is it worth spending the money with to see business credit?

Experian only says 4 tradelines, so not sure if it's worth paying hte 99.99 for a year to see those 4 or if someone else would show more of my tradelines?

D&B is like $500!!!

Any suggestions

Re: Business Credit Reports

Brammy — Thu, 06 Dec 2007 21:17:46 GMT

Actually you can see your cedit file free online with your eupdate from DNB there are also cheaper programs to pull a one-time profile. I would definitely do the 99.00 per year for Exp biz. Because it is unlimited access and you ca nsee changes to your report. There have been weird bad accounts added to biz files in the past. I haven't bought mine yet because I am still too new to rate and waiting on a rating.

Re: Business Credit Reports

Creditaddict — Thu, 06 Dec 2007 21:28:52 GMT

OMG Devistated... I'm a 66!!!! last I checked I was a 95... WHAT HAPPENED!!!

they say that's still low-medium risk... but I want NO RISK!

I only have 4 accounts reporting which does not help since they are both almost maxed.

and someone said inquiries don't count against business credit... that is WRONG! and same with debt!!! they take all that into credit score calculation

Re: Business Credit Reports

Brammy — Thu, 06 Dec 2007 21:30:49 GMT

Creditaddict wrote:

OMG Devistated... I'm a 66!!!! last I checked I was a 95... WHAT HAPPENED!!!

they say that's still low-medium risk... but I want NO RISK!

I only have 4 accounts reporting which does not help since they are both almost maxed.

and someone said inquiries don't count against business credit... that is WRONG! and same with debt!!! they take all that into credit score calculation

See what I get for listening to you!! Lol!! Just kiding. I dont even have a score yet.... I will be waiting.

Re: Business Credit Reports

Creditaddict — Thu, 06 Dec 2007 21:34:57 GMT

HOWEVER... I think the good news is, the only credit currently reporting is my Advanta card and Office Depot.. the other 2 are net 30 accounts... blah.

But I just went on that mass apply spree 2 weeks ago and added ALL those citi cards and office depot doubled my cl which isn't reporting yet.

If citi is basically the only one that reports, I'm about to get 5 more accounts added!

I would however like to know where my 4 amex, 2 capital one, and couple others are reporting if at all

Re: Business Credit Reports

Brammy — Thu, 06 Dec 2007 21:40:18 GMT

See what I get for messing with you. Out of curiosity, I went to the Ex site and now I have a score. Only one account reporting, I'm fraid to look with all the inq lately.

Re: Business Credit Reports

Brammy — Fri, 07 Dec 2007 00:42:15 GMT

Ok ay one brand spanking new tradeline and 2 inq....gues my score. You should be proud credit... I only have a 30.

Re: Business Credit Reports

CreditDrama85 — Fri, 07 Dec 2007 00:57:16 GMT

i went to smartbusinessreports.com and searched for my company....and nothing.

before this month, i dont think i had any business credit is that why im not listed? this month i opened 7 accounts....

after some of them report will i be listed on this website and in the experian database?

also, is there a way to check with equifax? i went to the main website but didn't see anything about business search or business reports

Re: Business Credit Reports

Brammy — Fri, 07 Dec 2007 01:00:18 GMT

Haven't figured out how to break into EQ yet without becoming a member. I opened my first in nov so it hastaken about two months to update. I see that Ex only reports high balance and not limits. My highest balance before was 100.00 and it hasn't reported paid yet so I am maxed on the one line I have there..

Re: Business Credit Reports

Brammy — Fri, 07 Dec 2007 01:03:19 GMT

BTW 30 isn't as bad as I feared... only medium high...

Re: Business Credit Reports

CreditDrama85 — Fri, 07 Dec 2007 01:03:55 GMT

that sucks, i was able to get 30,000 total with no PG and its not even going to be reported.

i hope EQ reports the cl

Re: Business Credit Reports

Brammy — Fri, 07 Dec 2007 01:05:44 GMT

This will suck worse, seems usage under 100.00 is not worth reporting. the line they are reporting actually has a 750.00 limit.

Re: Business Credit Reports

Creditaddict — Fri, 07 Dec 2007 02:45:38 GMT

$30k!!! FROM WHO?? tell me details PRETTY PLEASE!

Re: Business Credit Reports

CreditDrama85 — Fri, 07 Dec 2007 04:13:50 GMT

i mean 30k on all cards combined....

i did find a business major cc that didnt require PG for those interested....

the BP Business Solutions MasterCard issued me 5kcl with no PG. i am in the D n B database but do not have an EX score

Re: Business Credit Reports

Creditaddict — Fri, 07 Dec 2007 04:17:48 GMT

BP says they require PG if your LLC which I am.

it also carries a $10 monthly fee if you don't purchase 5000 gallons of gas a month!

Re: Business Credit Reports

CreditDrama85 — Fri, 07 Dec 2007 04:20:35 GMT

have you tried capital one or the first equity card?

they require PG i think...but might be worth a shot

Message Edited by CreditDrama85 on 12-06-2007 08:20 PM

Re: Business Credit Reports

Creditaddict — Fri, 07 Dec 2007 04:21:44 GMT

yes have 2 capital one cards, different names

and HAD first equity - they closed it on me last month because of the bk

Re: Business Credit Reports

CreditDrama85 — Fri, 07 Dec 2007 04:23:34 GMT

what about the citi home depot mastercard? try that one....?

im waiting until some of my accts report to EX before i apply

Re: Business Credit Reports

Creditaddict — Fri, 07 Dec 2007 04:25:38 GMT

yeah just got the home depot commercial card a few months back and did pg that... so the other day applied for the home depot mastercard WITHOUT PG.

I got a code 28, and still no call... so not sure what that means

when i applied for the commercial card they called me within 2 days.

Re: Business Credit Reports

Brammy — Fri, 07 Dec 2007 04:28:24 GMT

For me it meant declined without PG. I called and said I appreciated it but no thanks, can't have more inqs. Got letter in mail today inviting me to fax in a pg within 30 days.